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Flood Figures

ZIP 77032 flood insurance data

Computed from OpenFEMA FIMA NFIP Redacted Policies (v2) and OpenFEMA FIMA NFIP Redacted Claims (v2). Policy data as of June 1, 2026; claims recorded through June 1, 2026.

As of June 1, 2026, 485 NFIP flood insurance policies are in force in ZIP 77032 (Houston, TX), with 1,437 flood claims recorded since 1978.

Policies & premiums

Policies in force
485
Median annual premium
$1,196
premium only
Median annual cost
$1,583
premium + fees & surcharges
Mean annual premium
$1,841
premium only
Policies in SFHA zones
82.5%
zones A, AE, AH, AO, V, VE
Building coverage in force
$107,882,000
Contents coverage in force
$45,442,000

"Premium" is the policy premium alone; "cost" adds federal fees and surcharges. In-force counts are an approximation derived from policy effective, termination, and cancellation dates — see methodology.

Flood zones of insured properties

NFIP policies in ZIP 77032 by rated flood zone
Policies Share Share bar
AE 400 82.5%
X 85 17.5%

Distribution of insured properties by the flood zone used in their policy rating — not a map of land area. Numbered zones (A1–A30, V1–V30) and Zones B and C appear on older FEMA map panels; B and C correspond to today's shaded and unshaded Zone X.

What the policies cover

NFIP policies in ZIP 77032 by occupancy type
Policies Share Share bar
Single-family homes 270 55.7%
Non-residential buildings 163 33.6%
Units in multi-unit buildings 33 6.8%
Multi-unit buildings 14 2.9%
Mobile homes 5 1.0%

Claims history since 1978

Claims since 1978
1,437
Total paid
$47,085,792
Paid on buildings
$38,346,068
Paid on contents
$8,646,567
NFIP claims filed per year in ZIP 77032, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 5 $21,386
1980 1 $0
1981 3 $15,162
1983 7 $17,212
1984 54 $547,994
1989 62 $1,014,575
1990 1 $3,370
1991 2 $8,898
1992 60 $915,379
1994 7 $48,272
1997 6 $96,479
1998 2 $7,511
1999 1 $1,332
2000 4 $977
2001 402 $14,345,097
2002 226 $3,686,726
2003 23 $190,351
2004 1 $0
2005 1 $0
2006 9 $55,669
2007 1 $869
2008 53 $379,063
2009 2 $4,453
2010 1 $0
2013 1 $0
2014 3 $41,998
2015 5 $33,841
2016 101 $3,421,576
2017 336 $20,765,231
2019 31 $749,825
2020 3 $71,660
2021 7 $19,160
2022 1 $0
2024 13 $620,530
2025 2 $1,198

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 336 $20,765,231
2001 402 $14,345,097
2002 226 $3,686,726

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